Action for illegaly re-aging account by CA??
Do you have the documentation to back that up? I would dispute
Do you have the documentation to back that up? I would dispute the account with all reporting CRA's. Dispute as "Multiple Inaccuracies" and have them verify EVERY data field of the tradeline. Here's an example of one of my disputes:
Account Number XXXX
Account Owner Individual Account
Type of Account Installment
Term Duration None
Date Opened 09/2000
Date Reported 06/2007
Date of Last Payment 02/05
Scheduled Payment Amount $931
Date Major Delinquency First Reported 11/04
Creditor Classification None
Charge Off Amount $0
Balloon Payment Amount $0
Date Closed None
Current Status CHARGE OFF
High Credit $29,935
Credit Limit $0
Terms Frequency None
Balance $7,707
Amount Past Due $7,707
Actual Payment Amount $0
Date of Last Activity 04/03
Months Reviewed 20
Activity Description n/a
Deferred Payment State Date None
Balloon Payment Date None
Type of Loan Unsecured
Inaccurate Payment History ???????? I was never late:
30 Days: 06/03, 07/03, 11/03, 06/04, 07/04, 08/04 and 09/04.
60 Days: 08/03 and 10/04.
90 Days: 11/04
120 Days: 12/04